Bitcoin DCA Calculator
$100 a month in Bitcoin for the last 5 years would be worth $10,951 today, from $6,000 invested: a 24.3% annual return.
Bitcoin is the first and largest cryptocurrency. Its price has gone through several booms and busts, with falls of more than 70% from a peak, which is why many people buy a fixed dollar amount on a schedule instead of trying to time an entry. It pays no dividends, so returns come from price changes alone.
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$100 a month in Bitcoin: results by holding period
Each row invests $100 at the start of every month up to Oct 2026, and compares it with investing the same total all at once at the start. Crypto pays no dividends, so figures use the price only.
| Period | Invested | Value today | Annual return | Lump sum instead |
|---|---|---|---|---|
| 1 year (from Nov 2025) | $1,200 | $1,244 | 6.8% | $861 |
| 3 years (from Nov 2023) | $3,600 | $4,022 | 7.3% | $8,159 |
| 5 years (from Nov 2021) | $6,000 | $10,951 | 24.3% | $7,688 |
| 10 years (from Nov 2016) | $12,000 | $123,932 | 43.9% | $1,345,116 |
Annual return is the money-weighted return (IRR) of the monthly contributions. Prices are monthly closes from Yahoo Finance, with data from Oct 2014 through Oct 2026. See the methodology. Past performance does not guarantee future results.
Bitcoin DCA: frequently asked questions
How much would $100 a month in Bitcoin be worth today?
Investing $100 a month in Bitcoin for the last 5 years (Nov 2021 to Oct 2026) would have turned $6,000 into about $10,951, a money-weighted annual return of 24.3%. Crypto pays no dividends, so figures use the price only. Past performance does not guarantee future results.
Was DCA or a lump sum better for Bitcoin?
Over the last 10 years, investing the same $12,000 all at once in Nov 2016 would have grown to $1,345,116, compared with $123,932 by investing $100 a month. The lump sum came out ahead because it was invested for longer, which is the usual result in a rising market. Most people invest from monthly income, so DCA is the practical choice either way.
What was the best and worst time to start DCA in Bitcoin?
Across 86 rolling 5-year periods of investing $100 a month, the best started in Apr 2016 and returned 162.6% a year; the worst started in Jul 2021 and returned 13.4% a year. 100% of those periods ended with more money than was put in.
How far has Bitcoin fallen from a peak?
The largest fall in its month-end price since Oct 2014 was −76%, from Dec 2017 to Jan 2019. Buying a fixed amount every month through a fall like that buys more coins at lower prices.